View 2013 Kia Forte Car Insurance Cost

Want better insurance rates for your Kia Forte? Having to pay for expensive insurance can overdraw your checking account and require stricter spending habits. Doing a price comparison is a smart way to make ends meet.

Big-name insurance companies like State Farm, Progressive and Geico increase brand awareness with TV and radio ads and consumers find it hard to sift through the bull and do the work needed to find the best deal.

It’s a great practice to check insurance prices as often as possible since prices are constantly changing. Despite the fact that you may have had the best rate for Forte coverage a year ago you can probably find a better premium rate now. Forget all the misinformation about insurance because we’re going to show you the best way to properly buy coverages and cut your premium.

If you currently have a car insurance policy, you should be able to cut costs considerably using these tips. Finding the best rates is easy if you know what you’re doing. But consumers do need to learn the way companies sell insurance online because it can help you find the best coverage.

Auto Insurance Discounts

Auto insurance is not an enjoyable expense, but there are discounts available that you may not even be aware of. Most are applied when you get a quote, but a few must be specifically requested in order for you to get them.

• Accident Waiver – This isn’t a discount exactly, but some companies like Geico and Allstate permit an accident before they charge you more for coverage if your claims history is clear for a specific time period.
• No Accidents – Insureds with no claims or accidents are rewarded with significantly better rates on insurance quote as opposed to drivers who are more careless.
• Own a Home – Just being a homeowner can save you money since home ownership shows financial diligence.
• Discounts for Multiple Vehicles – Buying insurance for multiple cars on the same auto insurance policy may reduce the rate for each vehicle.
• Include Life Insurance and Save – Some companies give a break if you buy a life policy as well.
• Distant College Student Discount – who are enrolled in higher education away from home without a vehicle on campus can receive lower rates.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs that have anti-lock braking systems are safer to drive and will save you 10% or more.
• Student Discounts – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts until age 25.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Just because it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

Large auto insurance companies and their offered discounts are detailed below.

• Progressive discounts include good student, online quote discount, multi-policy, online signing, and homeowner.
• SAFECO may include discounts for multi-car, homeowner, accident prevention training, teen safe driver, and anti-lock brakes.
• American Family has discounts for accident-free, good student, air bags, TimeAway discount, and early bird.
• MetLife policyholders can earn discounts including multi-policy, good student, claim-free, accident-free, defensive driver, and good driver.
• Geico may offer discounts for five-year accident-free, multi-vehicle, seat belt use, military active duty, daytime running lights, and emergency military deployment.
• The Hartford includes discounts for anti-theft, good student, air bag, bundle, vehicle fuel type, and driver training.

If you are trying to find cheap insurance quotes, ask every company what discounts are available to you. Savings may not apply in your area. To see a list of insurance companies that offer the discounts shown above, follow this link.

Free car insurance rate quotes

Shopping for lower car insurance rates can take hours if you don’t utilize the best way to get rate quotes. You could waste a few hours driving to agents in your area, or you could use the internet to quickly compare rates.

All the larger companies belong to an insurance system where insurance shoppers submit one quote, and each company returns a competitive quote. This prevents consumers from doing repetitive form submissions for each company.

To compare pricing click here to start a free quote.

The one downside to using this type of system is you can’t choose which companies you want to price. If you prefer to choose specific insurance companies to request quotes from, we have a page of low cost car insurance companies in your area. Click to view list.

Whichever way you use, try to keep identical quote data for every quote you compare. If each company quotes higher or lower deductibles you can’t possibly determine the best price for your Kia Forte. Just slight variations in coverage limits could mean much higher rates. Just keep in mind that comparing more quotes helps increase your odds of locating the best price.

Kia Forte insurance price factors

When buying car insurance it’s important to understand the different types of things that help determine your policy premiums. If you understand what controls the rates you pay, this empowers consumers to make smart changes that can help you get much lower annual insurance costs.

• Alarm systems save money – Selecting a car model with advanced anti-theft systems can help lower your rates. Theft prevention devices like OnStar, LoJack tracking, and tamper alarms all hinder car theft and help bring rates down.
• Good drivers pay better prices – Your driving citation history has a huge affect on how much you pay. Good drivers get better prices compared to bad drivers. Having a single speeding ticket or other violation can boost insurance rates forty percent or more. Drivers with multiple tickets like DWI, reckless driving or hit and run convictions might be required by their state to file a proof of financial responsibility form (SR-22) with their state in order to legally drive.
• Why do you need liability coverage? – Your policy’s liability coverage will afford coverage if ever you are determined to be liable for an accident. It will provide legal defense up to the limits shown on your policy. Liability is cheap as compared to coverage for physical damage, so do not skimp.
• Extra policy coverages you don’t need – Policies have additional extra coverages that can add up if you don’t pay attention. Add-on coverages like personal injury protection, better glass coverage, and membership fees are some examples. They may sound like good ideas when talking to your agent, but if they’re wasting money eliminate the coverages to reduce your premium.
• Higher deductibles cost less – Insurance for physical damage, termed comprehensive and collision coverage on your policy, is used to repair damage to your Kia. A few examples of covered claims are collision with another vehicle, damage from fire, and rolling your vehicle. The deductibles are the amount of money you are required to spend if a claim is determined to be covered. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance for Forte coverage.
• An active insurance claims history can increase rates – If you tend to file frequent claims, you can look forward to increased rates or even have your policy non-renewed. Car insurance companies award discounts to policyholders who only file infrequent claims. Your insurance policy is meant to be used in the event of more catestrophic claims.
• Lower rates for married couples – Having a significant other may cut your premiums on your car insurance policy. Marriage generally demonstrates drivers are more mature and statistics show drivers who are married file infrequent claims.
• Multiple policies with one company can save – Most larger insurers provide lower prices for people who carry more than one policy. It’s known as a multi-policy discount. Even if you’re getting this discount you still need to compare rates to verify if the discount is saving money.

Tailor your insurance coverage to you

When buying the right insurance coverage, there isn’t really a cookie cutter policy. Every situation is different so this has to be addressed. For instance, these questions could help you determine whether your personal situation might need professional guidance.

• How much underlying liability do I need for an umbrella policy?
• What is an SR-22 filing?
• Is a new car covered when I drive it off the dealer lot?
• Does my 2013 Kia Forte need full coverage?
• Will filing a claim cost me more?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Why is insurance for a teen driver so high?
• Who is covered when they drive my 2013 Kia Forte?
• Does my personal policy cover me when driving out-of-state?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Insurance advertising tricks

Well-known insurance companies like State Farm, Allstate and Geico consistently run television and radio advertisements. All the ads tend to make the same promise that drivers can save some big amount if you move your coverage. How does each company have lower policy pricing? It’s all in how they say it.

Insurance companies quote their best rates for the type of customer that will add to their bottom line. For example, a driver they prefer might be a female over age 40, has no claims, and insures a new vehicle. A customer getting a price quote who matches that profile will qualify for the lowest prices and as a result will probably cut their rates substantially.

Drivers who are not a match for the ideal profile will have to pay higher premium rates which translates to business going elsewhere. The ads state “customers that switch” not “everybody who quotes” save that much money. That is how companies can truthfully lure you into getting a quote.

Because every company is different, you should compare rate quotes every year. It is impossible to guess the company that will fit your personal profile best.

Auto insurance coverages

Knowing the specifics of insurance aids in choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. These are the normal coverages available from insurance companies.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for bills for things like hospital visits, EMT expenses, ambulance fees, chiropractic care and dental work. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance – This pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from getting keyed, hail damage, a broken windshield and fire damage. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Kia Forte.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally the UM/UIM limits are similar to your liability insurance amounts.

Liability – This will cover damage that occurs to other people or property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like pain and suffering, structural damage, bail bonds and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Collision coverages – Collision insurance will pay to fix damage to your Forte resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as damaging your car on a curb, driving through your garage door, crashing into a building and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Spend less. Save more.

As you restructure your insurance plan, never skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped uninsured motorist or liability limits to discover at claim time they didn’t purchase enough coverage. Your goal should be to find the BEST coverage at an affordable rate.

Cheaper 2013 Kia Forte insurance is attainable both online as well as from insurance agents, and you need to price shop both in order to have the best chance of saving money. Some auto insurance companies do not offer rate quotes online and these small insurance companies only sell coverage through independent agencies.

You just learned many ideas to lower your 2013 Kia Forte insurance rates. The key concept to understand is the more you quote insurance, the more likely it is that you will get a better rate. You may even find the lowest priced auto insurance comes from an unexpected company. These smaller insurers may have significantly lower car insurance rates on certain market segments compared to the large companies like Progressive or Geico.

To learn more, feel free to visit these articles:

• Avoiding Deer Collisions (Insurance Information Insitute)
• Frontal Crash Tests (iihs.org)
• What is a Telematics Device? (Allstate)
• Auto Crash Statistics (Insurance Information Insitute)